countyscore
47.4
County Score
Income & Jobs 93Health 88.4Schools 72.7

County Report Card

About Cumberland County, Maine

High Performance with High Costs

Cumberland County scores a 47.4 overall, falling just short of the 50.0 national median. While its service and income levels are elite, extreme housing costs act as a significant anchor on its national percentile ranking.

A High-Income Anchor for Maine

The county's score of 47.4 is nearly identical to the state average of 48.0. It serves as the economic engine of Maine, though it ranks lower than some rural peers due to the sheer cost of living in the Portland area.

Top-Tier Incomes and Education

Cumberland boasts an incredible income score of 93.0 and a health score of 88.4. With a median household income of $92,983 and schools scoring 72.7, it offers the highest standard of services in the state.

The Most Expensive Housing in Maine

The cost score of 6.7 is among the lowest in the nation, driven by a median home value of $411,400. High rents averaging $1,492 and a low risk score of 23.0 create barriers for new residents trying to enter the market.

Best for High-Earning Families

Cumberland is the premier choice for professionals seeking top schools and lifestyle amenities. It is best suited for those whose high salaries can comfortably absorb the state's steepest housing prices.

Score breakdown

Tax30.3Cost6.7Safety44.2Health88.4Schools72.7Income93Risk23Water43.3Weather53.6
🏛30.3
Property Tax
Effective property tax rate vs national benchmarks
TaxByCounty →
🏠6.7
Cost of Living
Median rent, home values, and housing affordability
CostByCounty →
💼93
Income & Jobs
Median household income and per capita earnings
IncomeByCounty →
🛡44.2
Safety
Violent and property crime rates per 100K residents
CrimeByCounty →
❤88.4
Health
Life expectancy, uninsured rates, and health access
HealthByCounty →
🎓72.7
Schools
Graduation rates, per-pupil spending, and attainment
SchoolsByCounty →
⚡23
Disaster Risk
FEMA National Risk Index — flood, fire, tornado, and more
RiskByCounty →
💧43.3
Water Quality
EPA drinking water health violations and safety grades
WaterByCounty →
🌤53.6
Weather & Climate
Average temperatures, precipitation, and extreme weather events
WeatherByCounty →
🪨66
Soil Quality
Soil composition, pH, drainage, and organic matter content
SoilByCounty →
🌱39.1
Lawn Care
Lawn difficulty score based on climate, soil, and grass suitability
LawnByCounty →
🛒
Farmers Markets
Local market density, SNAP/EBT acceptance, and product variety
MarketsByCounty →
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Nearby counties

Androscoggin County
Maine
38.2
Sagadahoc County
Maine
54.7
York County
Maine
46.8
Carroll County
New Hampshire
49
Lincoln County
Maine
54.2
Strafford County
New Hampshire
40.2
Oxford County
Maine
45.3
Kennebec County
Maine
40.2

Deep Dives

Cumberland County across the ByCounty Network

Detailed analysis from 10 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Cumberland County

via TaxByCounty

Cumberland taxes moderate despite high values

Cumberland County's 1.113% effective tax rate sits nearly at the national median of 1.1%, placing it in the 50th percentile nationally. Despite a median home value of $411,400—the highest in Maine and 46% above the national median—residents pay $4,577 annually, which exceeds the national median tax of $2,690. Cumberland's combination of expensive homes and a slightly-above-average tax rate creates substantial annual bills.

Lowest tax rate among Maine's counties

Cumberland's 1.113% effective rate ranks tied-lowest among Maine's 16 counties, essentially equal to the state average of 1.107%. This restraint is remarkable given the county's premium home values and expensive housing market. Homeowners benefit from both a competitive tax rate and access to Southern Maine's economic opportunities.

Competitive rate despite premium market

Cumberland's 1.113% rate matches or beats surrounding counties like York and Oxford while commanding the state's highest median home values at $411,400. Knox County (1.253%) and Androscoggin (1.256%) charge substantially more despite lower home values. Cumberland's tax competitiveness combined with its desirable location makes it attractive to affluent residents.

Premium homes, premium tax bills

A median Cumberland home valued at $411,400 carries an estimated annual property tax of $4,577, the highest median in Maine. Homeowners with mortgages pay approximately $4,601, while those without mortgages pay around $4,532 annually. Over a 30-year mortgage, that totals nearly $137,000 in property taxes on a median-priced home.

High-value homes warrant careful assessment review

With homes valued at $400,000-plus, even small assessment errors translate to hundreds in annual overpayment. Cumberland homeowners should request recent comparable sales data and verify their assessment accuracy, especially after market fluctuations. Successful appeals on high-value properties can deliver thousands in refunds and permanent tax reductions.

Full property tax analysis on TaxByCounty

Cost of Living in Cumberland County

via CostByCounty

Cumberland's housing costs pinch even high earners

Cumberland renters spend 19.3% of income on rent—higher than both Maine's average (17.4%) and the national average—despite the county's strong median household income of $92,983. This coastal premium reflects Cumberland's status as Maine's economic engine, home to Portland and surrounding prosperity.

Most expensive county in Maine by far

Cumberland ranks 16th (last) among Maine's 16 counties for affordability, with the highest rent-to-income ratio statewide and the most expensive median rent at $1,492. Even with the highest incomes in the state, Cumberland residents allocate significantly more to housing than peers.

Coastal premium outpaces all nearby counties

Cumberland's $1,492 rent dwarfs Hancock County ($1,000) to the north and Lincoln County ($1,003) to the northeast, reflecting Portland's urban demand. Median home values of $411,400 represent the priciest market in Maine and exceed Aroostook's by nearly $280,000.

Housing consumes a larger income share here

Renters pay $1,492 monthly while homeowners face $1,609, with the county's $92,983 median income still stretched thinner by housing costs than in other counties. At 19.3% of income devoted to rent alone, Cumberland households sacrifice more purchasing power despite higher absolute earnings.

Cumberland demands higher budget for urban benefits

If you're relocating to Maine's most vibrant urban center, expect to pay premium prices that offset strong incomes and opportunity. Compare Cumberland against the more affordable nearby counties—Hancock and Lincoln offer coastal charm at substantially lower costs.

Full cost of living analysis on CostByCounty

Income & Jobs in Cumberland County

via IncomeByCounty

Cumberland County far exceeds national average

Cumberland County's median household income of $92,983 stands $18,228 above the national median of $74,755, placing it in the top 20% nationally. The county is an income powerhouse driven by Portland's professional and service economy.

Highest income county in Maine

Cumberland County decisively leads all 16 Maine counties with a median household income of $92,983, nearly $26,000 above the state average of $66,872. The county's economic dominance is driven by Portland's professional services, healthcare, and education sectors.

Income gap with surrounding counties widens

Cumberland's $92,983 towers over neighboring York County and exceeds Knox County ($71,903) by over $21,000. The gap reflects Portland's status as Maine's economic center and job creation engine.

High incomes offset rising housing costs

Although Cumberland's median home value of $411,400 is the highest in Maine, the rent-to-income ratio of 19.3% remains manageable for median earners. Strong household incomes support homeownership even in this expensive market.

High earners should maximize wealth building

Cumberland County households earning $92,983 have substantial capacity to max out retirement accounts, invest in taxable portfolios, and diversify assets. Professional guidance on tax-efficient investing can accelerate wealth accumulation significantly.

Full income & jobs analysis on IncomeByCounty

Safety in Cumberland County

via CrimeByCounty

High Safety in Urban Maine

Cumberland County reports a total crime rate of 1,252.9 per 100,000, far below the national average of 2,385.5. A safety score of 98.0 confirms it remains one of the safest metropolitan areas in the country.

Slightly Below State Averages

The county's safety score of 98.0 falls just short of the Maine state average of 98.3. As the state's most populous region, it faces unique challenges that lead to slightly higher crime frequencies than its rural counterparts.

Safer than Nearby Androscoggin

At 1,252.9 crimes per 100,000, Cumberland is significantly safer than neighboring Androscoggin County at 1,655.2. However, it sees more activity than coastal Lincoln County, which sits at just 611.8.

Theft Outpaces Violent Crime

Property crime sits at 1,150.1 per 100,000, dwarfing the violent crime rate of 102.8. Most local law enforcement activity involves responding to non-violent incidents like larceny or motor vehicle theft.

Secure Your Urban Property

Densely populated areas are more prone to crimes of opportunity. Installing visible security cameras and keeping vehicles locked are the most effective ways to prevent property loss in Portland and beyond.

Full safety analysis on CrimeByCounty

Health in Cumberland County

via HealthByCounty

Cumberland County leads the nation

At 79.5 years, Cumberland residents live nearly 3 years longer than the U.S. average of 76.4 years, placing it among America's healthiest counties. Only 12.4% report poor or fair health, well below national norms, reflecting strong economic resources and healthcare infrastructure. Cumberland's health advantage compounds over a lifetime, translating to thousands of extra years of life across the population.

Maine's gold standard for health

Cumberland's 79.5-year life expectancy exceeds Maine's average of 76.7 years by nearly 3 years, marking it as the state's healthiest county by a wide margin. With only 6.7% uninsured—the lowest in Maine—and 12.4% poor/fair health rates, Cumberland outperforms every other county statewide. The county's 166 primary care providers per 100K represent unmatched access to frontline care.

Far ahead of surrounding counties

Cumberland's 79.5-year life expectancy towers 1.4 years above nearest rival Knox County (78.9 years) and a full 4.5 years above Androscoggin County (75.0 years). Its 6.7% uninsured rate is nearly half Hancock County's 11.5%, reflecting greater economic stability and job-based coverage. Provider density—166 primary care doctors per 100K—dwarfs most neighbors, enabling timely access to preventive and acute care.

Access and affordability converge here

Cumberland's combination of low uninsured rates (6.7%) and dense provider networks (166 primary care per 100K, 840 mental health per 100K) creates a healthcare environment most Americans only dream of. Residents benefit from comprehensive mental health resources and accessible primary care without geographic barriers. Economic strength translates into sustained health investment and outcomes.

Already covered? Keep it strong

If you live in Cumberland, your county's health advantage depends on maintaining coverage and preventive care. Review your current plan annually at healthcare.gov to ensure it still meets your needs. Staying proactive keeps Cumberland healthy for generations to come.

Full health analysis on HealthByCounty

Schools in Cumberland County

via SchoolsByCounty

Maine's Largest and Most Diverse School System

Cumberland County manages a massive infrastructure of 98 schools serving 38,508 students across 23 districts. This includes a robust mix of 54 elementary, 19 middle, and 21 high schools. It represents the state's most extensive educational network by a significant margin.

Leading the State in Achievement and Investment

Cumberland County outperforms state and national benchmarks with a 90.1% graduation rate and a school score of 62.2. Per-pupil expenditure is a high $10,990, exceeding the state average of $9,738. These figures reflect a strong local commitment to funding high-quality educational outcomes.

Urban Leadership and Choice in Cumberland

Portland Public Schools is the largest district, educating 6,475 students in 17 schools. The county also provides diverse options through 5 charter schools, which account for 5.1% of all local schools. Substantial districts like RSU 06 and South Portland also serve over 3,000 students each.

A Blend of City Centers and Suburban Sprawl

School locales are evenly split between rural areas (34), suburbs (34), and city centers (25). Large campuses like Bonny Eagle High and South Portland High each serve over 1,000 students. Despite these large hubs, the average school size across the county remains manageable at 410 students.

Invest in a High-Performing Community

School quality is a primary driver of real estate value across Cumberland County's many thriving towns. Families flock to the high-performing districts in Scarborough, Portland, and Windham for their diverse extracurriculars. Explore homes in this region where educational excellence is a foundational community asset.

Full schools analysis on SchoolsByCounty

Disaster Risk in Cumberland County

via RiskByCounty

Cumberland ranks high nationally

Cumberland County's composite risk score of 77.00 places it well above the national average, reflecting significant exposure across multiple hazard types. Hurricane risk (90.70) is particularly striking—among the highest in New England—while flood and earthquake risks also score in the upper 70s and 80s.

Second-riskiest county in Maine

At 77.00, Cumberland ranks second only to Aroostook (80.41) in Maine's risk hierarchy, 35% above the state average of 56.75. As home to Maine's largest city (Portland), Cumberland's coastal exposure and dense development amplify natural disaster impact potential.

Coastal location drives elevated risk

Cumberland's 77.00 score far exceeds inland neighbors like Franklin County (43.64) and reflects the premium of direct Atlantic exposure. The county's risk mirrors Aroostook's overall level (80.41) but through different hazard drivers: hurricanes over floods.

Hurricanes dominate Cumberland's threats

Hurricane risk reaches 90.70—the highest in Maine by far—making Atlantic storms your primary natural disaster concern. Flood risk (78.40) and earthquake exposure (81.14) also rank dangerously high, creating a triple threat for coastal and river-valley residents.

Hurricane prep is not optional

With a 90.70 hurricane risk score, invest in wind-resistant roof upgrades and comprehensive windstorm coverage immediately. Add flood and earthquake insurance to round out protection against all three major threats; coastal location makes comprehensive coverage a financial necessity, not luxury.

Full disaster risk analysis on RiskByCounty

Weather & Climate in Cumberland County

via WeatherByCounty

Atlantic influence moderates the Maine chill

Cumberland’s 45.3°F annual average is cool by national standards but warmer than much of the northern interior. The Atlantic Ocean helps buffer against the most extreme temperature swings.

One of Maine's most temperate regions

The county sits comfortably above the state average of 43.8°F. It ranks among the warmer areas in the state thanks to its southern coastal positioning.

Milder than the immediate inland counties

Its 45.3°F average beats out Androscoggin's 44.5°F and is significantly milder than Franklin's 40.7°F. This makes it a preferred destination for those seeking slightly less harsh Maine winters.

Reliable snow and manageable summer heat

Residents see about 75.2 inches of snow each year and a modest 4 days of temperatures hitting 90°F. January averages stay around 20.4°F, which is notably warmer than the state interior.

Invest in moisture and winter prep

With 49.4 inches of annual precipitation, a good dehumidifier and rain gear are essential. Snow tires are a standard requirement for navigating the 75.2 inches of annual snowfall.

Full weather & climate analysis on WeatherByCounty

Soil Quality in Cumberland County

via SoilByCounty

Strongly Acidic Coastal Soil

Cumberland’s soil is highly acidic, with an average pH of 3.86 that sits well below the national median of 6.5. This low pH is typical for Maine’s forest-derived soils but requires management for most traditional garden crops.

Coarse and Workable Mix

The soil consists of 29.0% sand, 21.5% silt, and a low 5.8% clay. This light, coarse mix ensures easy workability and prevents the heavy compaction often found in clay-rich agricultural regions.

Exceptional Organic Matter Levels

Organic matter is impressively high at 44.22%, far exceeding the state average of 35.77%. With an Available Water Capacity of 0.257 in/in, these soils hold moisture exceptionally well for thirsty plants.

Fast-Moving Sandy Drainage

While specific drainage classes aren't listed, the high sand content suggests rapid water movement. Gardeners should monitor for quick drying during the warmer summer months common to the coast.

Lush Growth in Zone 6a

Positioned in Hardiness Zone 6a, this county enjoys one of Maine's longest growing seasons. Vibrant tomatoes and flowers thrive in this high-organic soil, provided you adjust the acidity for your specific plants.

Full soil quality analysis on SoilByCounty

Lawn Care in Cumberland County

via LawnByCounty

High Difficulty for Coastal Lawns

Cumberland County presents a significant challenge with a lawn difficulty score of 39.1, well below the national and state averages. The 6a hardiness zone offers more variety for grass types, but environmental stressors make maintenance more demanding here.

High Precipitation but High Demand

The county receives a generous 49.4 inches of rain, yet 2100 growing degree days mean turf is very active and consumes resources quickly. Four days of extreme heat per year can lead to rapid evaporation, requiring careful monitoring of soil moisture.

Extreme Acidity Requires Major Correction

The soil foundation is highly acidic with a pH of 3.86, which is far below the ideal 6.0-7.0 range for healthy grass. With a sandy content of 29.0%, you will likely need significant lime applications and organic amendments to help the soil hold onto nutrients.

Constant Drought Stress in Cumberland

The county endured 41 weeks of drought last year, and 100% of the area is currently in severe drought. Prioritize water conservation by letting your grass grow longer, which shades the soil and reduces the need for supplemental irrigation.

Planting for Success in Zone 6a

The May 2 spring frost date signals the start of the primary growing window for cool-season mixes. Ensure your lawn is well-established before the October 10 fall frost to build the resilience needed for Cumberland’s challenging conditions.

Full lawn care analysis on LawnByCounty

Frequently Asked Questions

What is Cumberland County's county score?
Cumberland County, Maine has a composite county score of 47.4 out of 100 on CountyScore. This score is calculated from a weighted average of available data dimensions including property tax, cost of living, income, safety, health, and schools.
How does Cumberland County rank among counties in Maine?
Cumberland County ranks #10 among all counties in Maine on CountyScore's composite ranking. Rankings are based on available data dimensions and updated as new data is added.
What are property taxes like in Cumberland County, Maine?
The median annual property tax in Cumberland County is $4,577, with an effective tax rate of 1.11%. This earns Cumberland County a tax score of 30.3/100 on CountyScore (higher = lower taxes).
What is the median household income in Cumberland County?
The median household income in Cumberland County, Maine is $92,983 per year according to U.S. Census Bureau data. Cumberland County earns an income score of 93/100 on CountyScore.
Is Cumberland County, Maine a good place to live?
Cumberland County scores 47.4/100 on CountyScore's overall county ranking, ranking #10 in Maine. The best way to evaluate Cumberland County is to compare individual dimension scores — property tax, cost of living, income, safety, health, and schools — based on your personal priorities. Use CountyScore to compare Cumberland County with other counties side by side.

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🏛Property Tax🏠Cost of Living💼Income & Jobs🛡Safety❤Health🎓Schools⚡Disaster Risk💧Water Quality🌤Weather & Climate🪨Soil Quality🌱Lawn Care🛒Farmers Markets

Data from U.S. Census Bureau ACS, FBI UCR, CDC, FEMA NRI, NCES, EPA SDWIS, NOAA — informational only.